Well, further developments (I suppose you could call them that?)
I got home from the hospital and started thinking... I had seen this car before, and couldnt quite place it, then it hit me! 4 minutes before the accident, I was on the outside lane of a dual carriageway, merging with the traffic, and this car was ont he inside lane, we made eye contact and he let me in without issue. Then it appears he followed me (deliberately or otherwise...) to the point of the accident four minutes later. my suspicious head is causing me a headache!
So I have written up a statement of events, and found that in fact, a couple of details I advised the insurer of where inaccurate - the time of the incident (out by 20 minutes!) and the speed at which I was travelling (I said zero, however, the dashcam shows that I was just crawling!) so I shall provide them my statement and allow them to come to their conclusions based on this.
James I'm really sorry to hear this! That is rough man! I am a bit surprised at jow AF are dealing with it... good thing your dashcam got some evidence! I'm a bit late saying it but I'm glad you went to the hospital.
Any kind of injuries that may happen later on as a result of this accident no matter how minor can be ignored without medical back up. Now you have an on record file of injury it should aid your claim.
Has AF confirmed if the other vehicle is insured? I can imagine how much of a nightmare this is for you, affecting your work and income plus health and means of transport.
Feel for you
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Just to clarify, AF are my next insurer (due to start my policy next month with them!), i am disappointed that I have to pay the additional premium, however, I suppose at least I am likely to get it back when liability is admitted.
my current insurer though, have indeed confirmed that the other driver is insured! (that did surprise me!) so its a positive, I now just have to wait and see what happens! I trust that he admits liability quickly and I can get on with my life!
It seems to me that if your the victim in an accident your the one that loses out most. My son had his car written off over 12 months ago and he is still battling to get full settlement of his lost earnings, he had 2 days off work and they are arguing the toss over it. Adrian Flux were his agents as well, can't recall which insurance company, but the solicitors they appointed are c**p.
Sadly so Phil! I dont want to end up in the system for months on end, but I am already feeling the effects of this accident. Neck ache is part of it, but the effect its already having on my family (less than half a day later!) and already it shows that if this does persist over a longer term, then I will need to report it for compensation. Its already costing me a day off work tomorrow, and whatever happens next week. I am taking my car to Ford tomorrow for a review and they can advise the damages. I am in two minds if I want them to write it off or not!
What upsets me is even if they accept responsibility and all repairs paid for, you still lose out on the cars value now it has a category damage on it.
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Sadly spot on there Richard! my car is already a CAT C - so I wonder if this is just going to mark that catagory for the second time, hence my curious nature of whether this will kill the car or not.
On the plus side, I have noted that the financial ombudsman have the following article to say on the value of a written off vehicle:
typically not more than 20% dedubction for a write off, over a standard vehicle. with low prices of around £2500 on autotrader, that should pay out approximately £2000 in the event of a write off. However, I dont think the bill could span that far for the car bumper alone. However, taking into account the cost of the guaranteed hire car they will offer, as well as Ford's labour rate and parts, I expect that the bill could be close to that! alternatively, the lowest price is £2100, which would result in a lesser payout of around £1600 which is quite likely the cost of the full claim including courtesy car!